Invoice finance calculator
See how much cash your unpaid invoices could release and estimate the annual cost. Adjust the figures to reflect your business.
Calculate a single invoice advance
Enter an eligible invoice value to see the initial advance, illustrative fees and balance released after your customer pays.
What happens to the remaining balance?
On a £10,000 invoice at an 85% advance rate, the initial advance is £8,500. If the total agreed fee is £200 and your customer pays in full, the remaining release is £1,300. The total received is £9,800. This is an illustration, not a quotation.
The retained balance is not automatically a fee. Disputes, credit notes, reserves and facility terms can change the amount or timing of release. Use the annual facility calculator above to explore service and discount charges, and read our invoice finance costs guide.
How we calculate your estimate
Outstanding invoices = monthly credit sales × payment days ÷ 30. Potential funding = outstanding invoices × advance rate. Annual service charge = monthly credit sales × 12 × service charge. Annual discount cost = potential funding × (assumed base rate + discount margin).
This model assumes steady sales and full use of the estimated funding throughout the year. It excludes setup, audit, minimum, termination and other additional fees, and any applicable VAT. It does not model invoice exclusions, concentration limits, reserves or bad debt protection. Your actual charges may differ.
Read our invoice finance costs guide or compare invoice factoring and invoice discounting.
What does the advance rate mean?
It is the percentage of eligible unpaid invoices available as initial funding. The remaining balance is normally released after customer payment, less agreed charges.
What is the discount charge?
It is a charge on the funds you use. This illustration adds your chosen margin to the assumed base rate and applies that combined annual rate to the estimated advance.
Can I get a tailored quote?
Enquire now with your sales ledger, turnover and payment terms so we can discuss suitable options.